WO2017128516A1 - Procédé et appareil de sélection de mode de paiement par nfc, et terminal - Google Patents

Procédé et appareil de sélection de mode de paiement par nfc, et terminal Download PDF

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Publication number
WO2017128516A1
WO2017128516A1 PCT/CN2016/078007 CN2016078007W WO2017128516A1 WO 2017128516 A1 WO2017128516 A1 WO 2017128516A1 CN 2016078007 W CN2016078007 W CN 2016078007W WO 2017128516 A1 WO2017128516 A1 WO 2017128516A1
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WO
WIPO (PCT)
Prior art keywords
nfc payment
card
nfc
payment method
user
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PCT/CN2016/078007
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English (en)
Chinese (zh)
Inventor
张子敬
朱孟波
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宇龙计算机通信科技(深圳)有限公司
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Publication of WO2017128516A1 publication Critical patent/WO2017128516A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip

Definitions

  • the present invention relates to the field of mobile payment technologies, and in particular, to a method, an apparatus, and a terminal for selecting an NFC payment method.
  • NFC payment refers to the fact that when consumers purchase goods or services, they use NFC technology (Near Field Communication) to complete payment through handheld devices such as mobile phones. It is an emerging mobile payment method. The payment process is performed on-site and performed offline, without the need to use a mobile network, but using NFC RF channels for local communication with devices such as POS cash registers or vending machines.
  • the existing NFC payment methods include an HFC-based NFC payment method and an SE-based NFC payment method.
  • SE Secure Element
  • the security module also communicates with external read/write devices through a non-connected front end to achieve data storage and transaction security.
  • the traditional SE solution needs to provide a security module SE, which provides secure storage of sensitive information and provides a secure execution environment for transaction transactions.
  • the SE can be integrated into a SIM card, an SD card or a mobile phone chip.
  • HCE host-based card emulation
  • NFC-enabled mobile phone card simulation is performed without the need to provide SE. Instead, an SE application running in the mobile phone or a cloud server performs the function of the SE. At this time, the data received by the NFC chip is sent by the operating system or sent to the system. The application in the mobile phone, or the server sent to the cloud through the mobile network to complete the interaction.
  • the existing Android 4.4 introduces support for HCE, that is, it can simulate various cards with the APP application on the host to realize the function of the host card simulation.
  • Android is also compatible, that is, other SE-based analog card technologies can also be used on Android phones using HCE technology, and vice versa.
  • HCE technology or NFC terminal before Android4.4 can pass Upgrade the version to Android4.4 or above to support HCE host card emulation technology. Therefore, there will be NFC terminals compatible with HCE and traditional SE solutions on the market.
  • the compatibility between the traditional SE and the HCE is based on an AID routing principle, that is, the NFC controller internally stores a routing table, and the entries are composed of AIDs and The destination address consists of either the host (where the application is running) or the security module (SE) connected to it.
  • SE security module
  • the existing solution implements the compatibility between the traditional SE and HCE schemes through the AID routing table in the NFC controller, but when the same type of card application (such as a financial card) is deployed in both the traditional SE and the HCE, there is a problem of selection. .
  • the default card application is set as the consumption card in advance, and if the mode of the default consumer card application can be changed, the operation mode is cumbersome and the user experience is poor.
  • the object of the present invention is to provide a method for selecting an NFC payment method, which aims to solve the problem that the existing route switching for mobile payment can only be realized by modifying the default consumption card, the operation mode is cumbersome, and the user experience is poor.
  • the present invention provides a method for selecting an NFC payment method, including:
  • the first card is selected for payment.
  • the enabled state of the card corresponding to the NFC payment mode selected by the user Set to available states including:
  • the NFC controller is addressed to the card corresponding to the NFC payment mode selected by the user, and the enabled state of the card corresponding to the NFC payment mode selected by the user is set to an available state.
  • the method further includes:
  • the enabled state of the card corresponding to the unselected NFC payment method is set to the disabled state.
  • the receiving, by the user, the second instruction that the user selects the first card from the available status card for payment comprises:
  • the manner in which the user inputs the first instruction is a key input, and the key is any one of a physical key, a virtual key, and a floating key of the terminal.
  • the invention also provides an apparatus for selecting an NFC payment method, comprising:
  • a first receiving module configured to receive a first instruction for selecting an NFC payment mode, where the NFC payment method includes an HFC-based NFC payment method or an SE-based NFC payment method;
  • a configuration module configured to set an enabled state of a card corresponding to the NFC payment mode selected by the user to an available state
  • a second receiving module configured to receive a second instruction that the user selects a first card from the available state card for payment
  • a selection module configured to select the first card to perform payment according to the second instruction.
  • the configuration module is specifically configured to:
  • the NFC controller is addressed to the card corresponding to the NFC payment mode selected by the user, and the enabled state of the card corresponding to the NFC payment mode selected by the user is set to an available state.
  • the configuration module is further configured to:
  • the enabled state of the card corresponding to the unselected NFC payment method is set to the disabled state.
  • the second receiving module includes:
  • a retrieval unit for retrieving a card whose enabled state is available
  • a selection unit configured to receive a second instruction that the user selects a first card from the available status cards for payment.
  • the manner in which the user inputs the first instruction is a key input, and the key is any one of a physical key, a virtual key, and a floating key of the terminal.
  • the present invention also provides a terminal, comprising the selection device of the NFC payment method according to any of the above technical solutions.
  • the method, device, and terminal for selecting an NFC payment method receive a first instruction for selecting an NFC payment method input by a user, including an HFC-based NFC payment method or an SE-based NFC payment method; and selecting a user-selected NFC
  • the enabled state of the card corresponding to the payment method is set to an available state; receiving a second instruction that the user selects the first card from the available card for payment; and according to the second instruction, selecting the first card for payment.
  • the method, device and terminal for selecting the NFC payment method provided by the invention dynamically switch the manner of NFC mobile payment by detecting the trigger of the physical button, which is more convenient and greatly improves the user experience.
  • FIG. 1 is a flowchart of a specific implementation manner of a method for selecting an NFC payment method according to the present invention
  • FIG. 2 is a flowchart of implementing an NFC discovery process in another specific implementation manner of a method for selecting an NFC payment method according to the present invention
  • FIG. 3 is a structural block diagram of a specific implementation manner of an apparatus for selecting an NFC payment method according to the present invention
  • FIG. 4 is a structural block diagram of an NFC terminal provided by the present invention.
  • FIG. 1 A flowchart of a specific implementation manner of a method for selecting an NFC payment method provided by the present invention is shown in FIG. 1 , and the method includes:
  • Step S101 Receive a first instruction for selecting an NFC payment mode input by the user, where the NFC payment method includes an HFC-based NFC payment method or an SE-based NFC payment method;
  • the manner in which the user inputs the first instruction may be any one or more of a button, a fingerprint, and a voice.
  • the button used may be a physical button, which may be a physical button of an existing terminal, or may be a multiplexing of multiple physical buttons, such as a Power button, a volume up and down button, and a combination of keys, and of course, a virtual button. Either any of the floating keys, such as a cool key, does not affect the implementation of the present invention.
  • the invention divides the payment routing method into an HFC-based NFC payment method and an SE-based NFC payment method.
  • the SE-based NFC payment method may further include SIM and SD.
  • Step S102 setting an enabled state of the card corresponding to the NFC payment mode selected by the user to an available state
  • Step S103 Receive a second instruction that the user selects a first card from the available status cards for payment;
  • Step S104 Select the first card to perform payment according to the second instruction.
  • the method for selecting an NFC payment method provided by the present invention receives a user input
  • the first instruction of the NFC payment method is selected, including an HFC-based NFC payment method or an SE-based NFC payment method; setting an enable state of the card corresponding to the NFC payment mode selected by the user to an available state; and receiving a card from the available state of the user Selecting a first instruction for payment by the first card; and selecting the first card for payment according to the second instruction.
  • the method, device and terminal for selecting the NFC payment method provided by the invention dynamically switch the manner of NFC mobile payment by detecting the trigger of the physical button, which is more convenient and greatly improves the user experience.
  • the method for selecting the NFC payment method provided by the present invention may receive the first instruction of the NFC payment mode that is input by the user.
  • the triggering instruction input by the user by the same button is received, and the current mobile payment method is determined according to the preset sequence in accordance with the number of times of the button.
  • the user needs to set a physical button to control the NFC route switching function. After the function is enabled, the user can perform NFC route switching through the physical button.
  • the number of buttons is one, it can be switched by the number of times the button is clicked. For example, when you click for the first time, switch to the SE-based NFC payment method; when you click for the second time, switch to the HFC-based NFC payment method; when you click for the third time, switch to the SE-based NFC payment method...
  • the terminals may be sequentially clicked for switching.
  • the method after receiving the first instruction of the selected NFC payment mode input by the user, the method further includes:
  • the current mobile payment method is displayed on the terminal interface.
  • the setting of the enabled state of the card corresponding to the NFC payment mode selected by the user to the available state in step S102 may be specifically: addressing the NFC controller to the NFC payment mode selected by the user.
  • the card sets the enabled state of the card corresponding to the NFC payment method selected by the user to an available state.
  • the method may further include: a card corresponding to the unselected NFC payment mode.
  • the enabled state of the slice is set to disabled.
  • the card can be retrieved by the enabled state to be available; the receiving user is from the available state The second instruction of selecting the first card for payment in the card.
  • the card corresponding to the NFC payment method selected by the user may be determined by addressing through a pre-established routing table.
  • an AID routing table may be created in the NFC controller according to the payment application installed and downloaded by the user, where the storage location, the routing destination, and the enabled state information of each application are stored, as shown in a specific implementation manner in Table 1.
  • Table 1 The table shows. In the table, the user deployed 4 card applications, 1 and 4 were deployed on the HCE, and 2 and 3 were deployed on the SIM card.
  • the NFC controller When receiving a trigger command from the plurality of mobile payment methods that is input by the user as the current mobile payment mode, the NFC controller addresses the card corresponding to the payment mode selected by the user.
  • the routing table is specifically used to search.
  • the routing destination of the NFC controller is configured to be the routing destination corresponding to the mobile payment mode.
  • the system configures the routing purpose of the NFC controller as a SIM card, and after successful, modifies the AID routing table, and sets the enable status of the card application of 2 and 3 to "Enable”. ", the card application of 1 and 4 is modified to "Disable”. This way when making mobile payments, NFC's discovery process will only be responded to in the "Enable” state.
  • the flow chart of the implementation of the NFC discovery process is shown in Figure 2.
  • the process includes:
  • Step S201 The NFC controller receives the discovery request of the external card reader
  • Step S202 Retrieving from the AID routing table whether there is a card application whose card status is "Enable”; if yes, proceeding to step S203; if not, proceeding to step S204;
  • Step S203 The AID of the card application in the "Enable” state is sent to the external reader/writer, and the subsequent transaction is routed to the card application corresponding to the payment method SE to complete the payment;
  • Step S204 End.
  • the method for controlling an NFC routing policy by a physical button is provided by the embodiment of the present invention, which mainly switches the routing policy of the NFC mobile payment by detecting the trigger of the physical button, such as the SE-based NFC payment method and the HCE-based NFC payment method. Switch back and forth.
  • the selection device of the NFC payment method provided by the embodiment of the present invention is described below.
  • the selection device of the NFC payment method described below and the selection method of the NFC payment method described above can refer to each other.
  • FIG. 3 is a structural block diagram of a device for selecting an NFC payment method according to an embodiment of the present invention.
  • the device for selecting a NFC payment method according to FIG. 3 may include:
  • the first receiving module 100 is configured to receive, by the user, a first instruction for selecting an NFC payment mode, where the NFC payment mode includes an HFC-based NFC payment method or an SE-based NFC payment mode;
  • the configuration module 200 is configured to set an enabled state of the card corresponding to the NFC payment mode selected by the user to an available state;
  • a second receiving module 300 configured to receive a second instruction that the user selects a first card from the available status cards for payment
  • the selecting module 400 is configured to select the first card to perform payment according to the second instruction.
  • the central configuration module 200 can be specifically configured to:
  • the NFC controller is addressed to the card corresponding to the NFC payment mode selected by the user, and the enabled state of the card corresponding to the NFC payment mode selected by the user is set to an available state.
  • the foregoing configuration module 200 can also be used to:
  • the enabled state of the card corresponding to the unselected NFC payment method is set to the disabled state.
  • the second receiving module 300 in the selecting device of the NFC payment method provided by the present invention may specifically include:
  • a retrieval unit for retrieving a card whose enabled state is available
  • a selection unit configured to receive a second instruction that the user selects a first card from the available status cards for payment.
  • the user inputs the first instruction by using a button input
  • the button may be any one of a physical button, a virtual button and a floating button of the terminal.
  • the apparatus for selecting an NFC payment method receives a first instruction for selecting an NFC payment method input by a user, including an HFC-based NFC payment method or an SE-based NFC payment method; and correspondingly selecting a NFC payment method selected by the user
  • the enabled state of the card is set to an available state; receiving a second instruction that the user selects the first card from the available card for payment; and according to the second instruction, selecting the first card for payment.
  • the NFC payment method selection device provided by the invention dynamically switches the NFC mobile payment mode by detecting the trigger of the physical button, and the operation is more convenient, thereby greatly improving the user experience.
  • the present invention also provides a terminal 500, comprising the NFC payment method selection device according to any of the above technical solutions.
  • the steps of a method or algorithm described in connection with the embodiments disclosed herein can be implemented directly in hardware, a software module executed by a processor, or a combination of both.
  • the software module can be placed in random access memory (RAM), memory, read only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or technical field. Any other form of storage medium known.

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Abstract

L'invention concerne un procédé et un appareil de sélection de mode de paiement par NFC, ainsi qu'un terminal. Le procédé consiste à : recevoir une première instruction entrée par un utilisateur permettant sélectionner un mode de paiement par NFC, le mode de paiement par NFC comprenant un mode de paiement par NFC basé sur une HCE ou un mode de paiement par NFC basé un SE (S101) ; définir un état activé d'une carte correspondant au mode de paiement par NFC sélectionné par l'utilisateur comme état disponible (S102) ; recevoir une seconde instruction concernant l'utilisateur sélectionnant une première carte parmi les cartes se trouvant en état disponible à des fins de paiement (S103) ; et, conformément à la seconde instruction, sélectionner la première carte à des fins de paiement (S104). Le procédé et l'appareil de sélection de mode de paiement par NFC, ainsi que le terminal, au moyen d'une détection du déclenchement d'une touche physique servant à commuter de manière dynamique le mode de paiement mobile par NFC, rendent plus pratique la mise en œuvre et améliorent considérablement l'expérience d'utilisation d'un utilisateur.
PCT/CN2016/078007 2016-01-29 2016-03-31 Procédé et appareil de sélection de mode de paiement par nfc, et terminal WO2017128516A1 (fr)

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CN201610067914.9A CN105741106A (zh) 2016-01-29 2016-01-29 一种nfc支付方式的选择方法及装置
CN201610067914.9 2016-01-29

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WO2020216160A1 (fr) * 2019-04-26 2020-10-29 华为技术有限公司 Procédé de routage automatique pour se, et dispositif électronique

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CN114781415A (zh) * 2019-03-11 2022-07-22 华为技术有限公司 自动选择nfc模拟卡的方法、电子设备及通信系统
CN110648131B (zh) * 2019-08-27 2022-06-17 Oppo广东移动通信有限公司 基于近场通信的刷卡方法、装置、电子设备以及存储介质
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CN111932245B (zh) * 2020-07-24 2023-09-19 中国银联股份有限公司 数据处理方法、装置、设备及介质
CN112416227B (zh) * 2020-11-19 2022-06-14 Oppo（重庆）智能科技有限公司 一种配置方法、移动终端及计算机存储介质

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